Dynamically configurable transaction management controller and method thereof

ABSTRACT

Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller. The transaction management controller receives a transaction amount for a payment transaction from a business management engine and a payment transaction type from a point of interaction device. The transaction management controller initializes a transaction processing module that corresponds to the received payment transaction type. The transaction processing module defines payment processing parameters for processing payment transactions of the payment transaction type. The transaction management controller receives payment card data for the payment transaction from the point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller to the business management engine. Other embodiments are described and claimed.

TECHNICAL FIELD

Embodiments of the technologies described herein relate, in general, tothe field of payment transactions. More particularly, the technologiesdescribed herein relate to the field of managing payment authorizationrequest messaging for payment transactions.

BACKGROUND

Merchants accept consumer payments for goods and services throughpoint-of-sale (“POS”) terminals and corresponding business applications.Configuring such POS terminals and business applications to accept andprocess payment transactions is a complex and time consuming process.For example, conventional POS terminals and business applications mustbe configured to support and communicate with various different paymentnetworks as well as a variety of different card readers and PIN pads.Such configuration typically requires sophisticated programmingknowledge in connection with payment processing transactions.Additionally, POS terminals are increasingly being required to becertified by various payment networks, a process which is also complexand time consuming.

SUMMARY

In an embodiment, the present disclosure is directed, in part, to amethod for managing payment authorization request messaging for paymenttransactions, the method includes receiving, by a transaction managementcontroller and from a business management engine, a transaction amountfor a payment transaction. The transaction amount can be for insertionby the transaction management controller into a payment authorizationrequest message. The method further includes requesting, by thetransaction management controller and from a point of interactiondevice, a payment transaction type corresponding to a payment card to beused for the payment transaction. In some embodiments of the method, thepoint of interaction device is communicatively isolated from thebusiness management engine. The method further includes receiving, bythe transaction management controller and from the point of interactiondevice, the payment transaction type. The method also includesinitializing, by the transaction management controller, a transactionprocessing module that corresponds to the received payment transactiontype. The transaction processing module can define transactionprocessing parameters for processing payment transactions that usepayment cards of the payment transaction type. In addition, the methodincludes requesting, by the transaction management controller and fromthe point of interaction device, payment card data for the paymentauthorization request message based on the transaction processingparameters of the initialized transaction processing module. The methodfurther includes receiving, by the transaction management controller andfrom the point of interaction device, the requested payment card datafor insertion by the transaction management controller into the paymentauthorization request message. The method also includes inserting, bythe transaction management controller, the payment card data receivedfrom the point of interaction device and the transaction amount receivedfrom the business management engine into the payment authorizationrequest message. The method further includes transmitting, by thetransaction management controller and to a payment network, the paymentauthorization request message based on the transaction processingparameters of the initialized transaction processing module andreceiving, by the transaction management controller and from the paymentnetwork, a payment authorization response message for the paymentauthorization request message. The method also includes transmitting, bythe transaction management controller and to the business managementengine, the payment authorization response message based on thetransaction processing parameters of the initialized transactionprocessing module.

In another embodiment, the present disclosure is directed, in part, toone or more machine-readable storage media including a plurality ofinstructions stored thereon that in response to being executed by atransaction management controller, cause the transaction managementcontroller to receive, from a business management engine, a transactionamount for a payment transaction. The transaction amount can be forinsertion by the transaction management controller into a paymentauthorization request message. The plurality of instructions furthercause the transaction management controller to request, from a point ofinteraction device, a payment transaction type corresponding to apayment card to be used for the payment transaction. In someembodiments, the point of interaction device is communicatively isolatedfrom the business management engine. The plurality of instructionsfurther cause the transaction management controller to receive, from thepoint of interaction device, the payment transaction type and initializea transaction processing module that corresponds to the received paymenttransaction type. The transaction processing module can definetransaction processing parameters for processing payment transactionsthat use payment cards of the payment transaction type. The plurality ofinstructions further cause the transaction management controller torequest, from the point of interaction device, payment card data for thepayment authorization request message based on the transactionprocessing parameters of the initialized transaction processing module.The plurality of instructions also cause the transaction managementcontroller to receive, from the point of interaction device, therequested payment card data for insertion by the transaction managementcontroller into the payment authorization request message. Additionally,the plurality of instructions cause the transaction managementcontroller to insert the payment card data received from the point ofinteraction device and the transaction amount received from the businessmanagement engine into the payment authorization request message. Inaddition, the plurality of instructions further cause the transactionmanagement controller to transmit, to a payment network, the paymentauthorization request message based on the transaction processingparameters of the initialized transaction processing module and receive,from the payment network, a payment authorization response message forthe payment authorization request message. The plurality of instructionsalso cause the transaction management controller to transmit, to thebusiness management engine, the payment authorization response messagebased on the transaction processing parameters of the initializedtransaction processing module.

In another embodiment, the present disclosure is directed, in part, to asystem for managing payment authorization request messaging for paymenttransactions. The system includes a transaction management controllerhaving a processor executing instructions stored in memory. Theinstructions, when executed, cause the processor to receive, from abusiness management engine, a transaction amount for a paymenttransaction. The transaction amount can be for insertion by thetransaction management controller into a payment authorization requestmessage. The instructions further cause the processor to request, from apoint of interaction device, a payment transaction type corresponding toa payment card to be used for the payment transaction. In someembodiments, the point of interaction device is communicatively isolatedfrom the business management engine. The instructions further cause theprocessor to receive, from the point of interaction device, the paymenttransaction type and initialize a transaction processing module thatcorresponds to the received payment transaction type. The transactionprocessing module can define transaction processing parameters forprocessing payment transactions that use payment cards of the paymenttransaction type. The instructions further cause the processor torequest, from the point of interaction device, payment card data for thepayment authorization request message based on the transactionprocessing parameters of the initialized transaction processing module.The instructions also cause the processor to receive, from the point ofinteraction device, the requested payment card data for insertion by thetransaction management controller into the payment authorization requestmessage. Additionally, the instructions cause the processor to insertthe payment card data received from the point of interaction device andthe transaction amount received from the business management engine intothe payment authorization request message. In addition, the instructionscause the processor to transmit, to a payment network, the paymentauthorization request message based on the transaction processingparameters of the initialized transaction processing module and receive,from the payment network, a payment authorization response message forthe payment authorization request message. The instructions also causethe processor to transmit, to the business management engine, thepayment authorization response message based on the transactionprocessing parameters of the initialized transaction processing module.

BRIEF DESCRIPTION OF THE DRAWINGS

It is believed that certain embodiments will be better understood fromthe following description taken in conjunction with the accompanyingdrawings, in which like references indicate similar elements and inwhich:

FIG. 1 is a simplified block diagram of at least one embodiment of asystem for managing payment authorization request messaging for paymenttransactions;

FIG. 2 is a simplified block diagram of at least one embodiment of asystem for managing payment authorization request messaging formulti-lane payment transactions;

FIG. 3 is a simplified block diagram of at least one embodiment of asystem for remotely configuring transaction management controllers;

FIG. 4 is a simplified sequence flow diagram in accordance with at leastone non-limiting embodiment; and

FIG. 5 is a simplified flow diagram of at least one embodiment of amethod that may be executed by the transaction management controller ofFIG. 1 for managing payment authorization request messaging for paymenttransactions.

DETAILED DESCRIPTION

Various non-limiting embodiments of the present disclosure will now bedescribed to provide an overall understanding of the principles of thestructure, function, and use of systems and methods disclosed herein.One or more examples of these non-limiting embodiments are illustratedin the selected examples disclosed and described in detail withreference made to the figures in the accompanying drawings. Those ofordinary skill in the art will understand that systems and methodsspecifically described herein and illustrated in the accompanyingdrawings are non-limiting embodiments. The features illustrated ordescribed in connection with one non-limiting embodiment may be combinedwith the features of other non-limiting embodiments. Such modificationsand variations are intended to be included within the scope of thepresent disclosure.

The systems, apparatuses, devices, and methods disclosed herein aredescribed in detail by way of examples and with reference to thefigures. The examples discussed herein are examples only and areprovided to assist in the explanation of the apparatuses, devices,systems and methods described herein. None of the features or componentsshown in the drawings or discussed below should be taken as mandatoryfor any specific implementation of any of these the apparatuses,devices, systems or methods unless specifically designated as mandatory.In addition, elements illustrated in the figures are not necessarilydrawn to scale for simplicity and clarity of illustration. For ease ofreading and clarity, certain components, modules, or methods may bedescribed solely in connection with a specific figure. In thisdisclosure, any identification of specific techniques, arrangements,etc. are either related to a specific example presented or are merely ageneral description of such a technique, arrangement, etc.Identifications of specific details or examples are not intended to be,and should not be, construed as mandatory or limiting unlessspecifically designated as such. Any failure to specifically describe acombination or sub-combination of components should not be understood asan indication that any combination or sub-combination is not possible.It will be appreciated that modifications to disclosed and describedexamples, arrangements, configurations, components, elements,apparatuses, devices, systems, methods, etc. can be made and may bedesired for a specific application. Also, for any methods described,regardless of whether the method is described in conjunction with a flowdiagram, it should be understood that unless otherwise specified orrequired by context, any explicit or implicit ordering of stepsperformed in the execution of a method does not imply that those stepsmust be performed in the order presented but instead may be performed ina different order or in parallel.

Reference throughout the specification to “various embodiments,” “someembodiments,” “one embodiment,” “some example embodiments,” “one exampleembodiment,” or “an embodiment” means that a particular feature,structure, or characteristic described in connection with any embodimentis included in at least one embodiment. Thus, appearances of the phrases“in various embodiments,” “in some embodiments,” “in one embodiment,”“some example embodiments,” “one example embodiment,” or “in anembodiment” in places throughout the specification are not necessarilyall referring to the same embodiment. Furthermore, the particularfeatures, structures or characteristics may be combined in any suitablemanner in one or more embodiments.

Throughout this disclosure, references to components or modulesgenerally refer to items that logically can be grouped together toperform a function or group of related functions. Like referencenumerals are generally intended to refer to the same or similarcomponents. Components and modules can be implemented in software,hardware, or a combination of software and hardware. The term “software”is used expansively to include not only executable code, for examplemachine-executable or machine-interpretable instructions, but also datastructures, data stores and computing instructions stored in anysuitable electronic format, including firmware, and embedded software.The terms “information” and “data” are used expansively and includes awide variety of electronic information, including executable code;content such as text, video data, and audio data, among others; andvarious codes or flags. The terms “information,” “data,” and “content”are sometimes used interchangeably when permitted by context. It shouldbe noted that although for clarity and to aid in understanding someexamples discussed herein might describe specific features or functionsas part of a specific component or module, or as occurring at a specificlayer of a computing device (for example, a hardware layer, operatingsystem layer, or application layer), those features or functions may beimplemented as part of a different component or module or operated at adifferent layer of a communication protocol stack. Those of ordinaryskill in the art will recognize that the systems, apparatuses, devices,and methods described herein can be applied to, or easily modified foruse with, other types of equipment, can use other arrangements ofcomputing systems such as client-server distributed systems, and can useother protocols, or operate at other layers in communication protocolstacks, than are described.

For simplicity, the description that follows will be provided byreference to a “payment vehicle” or a “payment card,” which generallyrefers to any type of financial alternative to currency. As is to beclear to those skilled in the art, no aspect of the present disclosureis specifically limited to a specific type of payment vehicle or paymentcard. Therefore, it is intended that the following descriptionencompasses the use of the present disclosure with many other forms offinancial alternatives to currency, including credit cards, debit cards,smart cards, single-use cards, prepaid cards, electronic currency (suchas might be provided through a cellular telephone or personal digitalassistant), and the like. Payment vehicles or payment card can betraditional plastic transaction cards, titanium-containing, or othermetal-containing, transaction cards, clear and/or translucenttransaction cards, foldable or otherwise unconventionally-sizedtransaction cards, radio-frequency enabled transaction cards, or othertypes of transaction cards, such as credit, charge, debit, prepaid orstored-value cards, electronic benefit transfer cards, or any other likefinancial transaction instrument.

Referring now to FIG. 1, in one embodiment, a system 100 for managingpayment authorization request messaging for payment transactionsincludes a transaction management controller 102, a business managementengine 120, a point of interaction (POI) device 130, and a paymentnetwork 140. In the illustrative embodiment, the POI device 130 iscommunicatively isolated from the business management engine 120.Additionally, in some embodiments, the system 100 includes a remoteconfiguration device 150. In operation, the transaction managementcontroller 102 receives a payment request from the business managementengine 120 in connection with a payment transaction. The payment requestincludes a transaction amount and can be embodied as a HypertextTransfer Protocol (HTTP) message. After receiving the payment request,the transaction management controller 102 requests a payment transactiontype from the POI device 130. The requested payment transaction typecorresponds to the payment card or payment vehicle that is to be usedfor the payment transaction.

In response to receiving the requested payment transaction type from thePOI device 130, the transaction management controller 102 dynamicallyloads or initializes a transaction processing module that corresponds tothe received payment transaction type. The transaction processing moduleincludes transaction processing parameters, rules, and/or instructionsfor processing payment transactions of the received payment transactiontype. Subsequently, the transaction management controller 102 requestspayment card data (e.g., a payment card number, etc.) for the paymenttransaction from the POI device 130 (e.g., via a card reader, a PIN pad,etc.) based on the transaction processing parameters of the initializedtransaction processing module. Once the payment card data is receivedfrom the POI device 130, and based upon the transaction processingmodule loaded into the transaction management controller 102, thetransaction management controller 102 inserts the received transactionamount and the payment card data into a payment authorization requestmessage.

In some embodiments, only one transaction processing module can beloaded into the transaction management controller 102 at a time. Itshould be appreciated that by only loading the transaction processingmodule that corresponds to a particular type of payment transaction, therequired computing resources (e.g., processing resources, memoryresources, storage resources, power resources, etc.) of the transactionmanagement controller 102 can be reduced. Additionally, by dynamicallyloading transaction processing modules at the time of a paymenttransaction, such transaction processing modules can be updated, added,or removed without requiring the base software environment and/orfunctionality of the transaction management controller 102 to bechanged.

In the illustrative embodiment, the transaction management controller102 transmits the payment authorization request message to the paymentnetwork 140 based on the transaction processing parameters of theinitialized transaction processing module. As described in more detailbelow, the payment network 140 can be embodied as, or otherwise include,a payment gateway (not shown). A payment authorization response messageis then received from the payment network 140 (or the payment gateway)in response to the payment authorization request message. In someembodiments, the transaction management controller 102 transmits thereceived payment authorization response message to the businessmanagement engine 120 based on the transaction processing parameters ofthe initialized transaction processing module.

In some embodiments, the transaction management controller 102 isconfigured to interface with and control features and/or functionalityof the POI device 130. For example, in some embodiments, the transactionmanagement controller 102 can be configured to control selectableoptions (e.g., payment card type selections, cashback selections,transaction amount verification, language selections, etc.) that are tobe displayed to a consumer via the POI device 130. Additionally oralternatively, the transaction management controller 102 can beconfigured to control payment transaction processing features (e.g.,signature prompting features, PIN entry features, customizedinformational display screens, scrolling receipt features, etc.)provided by the POI device 130. It should be appreciated that, asdiscussed in more detail below, the transaction management controller102 may perform or provide any or all of those features and/orfunctionality based on the transaction processing parameters of theinitialized transaction processing module.

The transaction management controller 102 can be embodied as any type ofcomputing device or server or capable of processing, communicating,storing, maintaining, and transferring data. For example, thetransaction management controller 102 can be embodied as a server, amicrocomputer, a minicomputer, a mainframe, a desktop computer, a laptopcomputer, a mobile computing device, a handheld computer, a smart phone,a tablet computer, a personal digital assistant, a telephony device, acustom chip, an embedded processing device, or other computing deviceand/or suitable programmable device. In some embodiments, thetransaction management controller 102 can be embodied as a computingdevice integrated with other systems or subsystems. In the illustrativeembodiment of FIG. 1, the transaction management controller 102 includesa processor 104, a system bus 106, a memory 108, a data storage 110,communication circuitry 112, and one or more peripheral devices 114. Ofcourse, the transaction management controller 102 can include other oradditional components, such as those commonly found in a server and/orcomputer (e.g., various input/output devices), in other embodiments.Additionally, in some embodiments, one or more of the illustrativecomponents can be incorporated in, or otherwise from a portion of,another component. For example, the memory 108, or portions thereof, canbe incorporated in the processor 104 in some embodiments. Furthermore,it should be appreciated that the transaction management controller 102can include other components, sub-components, and devices commonly foundin a computer and/or computing device, which are not illustrated in FIG.1 for clarity of the description.

The processor 104 can be embodied as any type of processor capable ofperforming the functions described herein. For example, the processor104 can be embodied as a single or multi-core processor, a digitalsignal processor, microcontroller, a general purpose central processingunit (CPU), a reduced instruction set computer (RISC) processor, aprocessor having a pipeline, a complex instruction set computer (CISC)processor, an application specific integrated circuit (ASIC), aprogrammable logic device (PLD), a field programmable gate array (FPGA),or other processor or processing/controlling circuit or controller.

In various configurations, the transaction management controller 102includes a system bus 106 for interconnecting the various components ofthe transaction management controller 102. The system bus 106 can beembodied as, or otherwise include, memory controller hubs, input/outputcontrol hubs, firmware devices, communication links (i.e.,point-to-point links, bus links, wires, cables, light guides, printedcircuit board traces, etc.) and/or other components and subsystems tofacilitate the input/output operations with the processor 104, thememory 108, and other components of the transaction managementcontroller 102. In some embodiments, the transaction managementcontroller 102 can be integrated into one or more chips such as aprogrammable logic device or an application specific integrated circuit(ASIC). In such embodiments, the system bus 106 can form a portion of asystem-on-a-chip (SoC) and be incorporated, along with the processor104, the memory 108, and other components of the transaction managementcontroller 102, on a single integrated circuit chip.

The memory 108 can be embodied as any type of volatile or non-volatilememory or data storage capable of performing the functions describedherein. For example, the memory 108 can be embodied as read only memory(ROM), random access memory (RAM), cache memory associated with theprocessor 104, or other memories such as dynamic RAM (DRAM), static RAM(SRAM), programmable ROM (PROM), electrically erasable PROM (EEPROM),flash memory, a removable memory card or disk, a solid state drive, andso forth. In operation, the memory 108 can store various data andsoftware used during operation of the transaction management controller102 such as operating systems, applications, programs, libraries, anddrivers.

The data storage 110 can be embodied as any type of device or devicesconfigured for short-term or long-term storage of data such as, forexample, memory devices and circuits, memory cards, hard disk drives,solid-state drives, or other data storage devices. For example, in someembodiments, the data storage 110 includes storage media such as astorage device that can be configured to have multiple modules, such asmagnetic disk drives, floppy drives, tape drives, hard drives, opticaldrives and media, magneto-optical drives and media, Compact Disc (CD)drives, Compact Disc Read Only Memory (CD-ROM), Compact Disc Recordable(CD-R), Compact Disc Rewriteable (CD-RW), a suitable type of DigitalVersatile Disc (DVD) or Blu-Ray disc, and so forth. Storage media suchas flash drives, solid state hard drives, redundant array of individualdisks (RAID), virtual drives, networked drives and other memory meansincluding storage media on the processor 104, or the memory 108 are alsocontemplated as storage devices. It should be appreciated that suchmemory can be internal or external with respect to operation of thedisclosed embodiments. It should also be appreciated that certainportions of the processes described herein can be performed usinginstructions stored on a computer-readable medium or media that director otherwise instruct a computer system to perform the process steps.Non-transitory computer-readable media, as used herein, comprises allcomputer-readable media except for transitory, propagating signals.

In some embodiments, the data storage device 110 can be configured tostore one of more transaction processing modules. Each transactionprocessing module defines one or more transaction processing parametersfor processing payment transactions of a different payment transactiontype. For example, one transaction processing module can includetransaction processing parameters for processing credit transactions,another transaction processing module can include transaction processingparameters for processing debit transactions, and another transactionprocessing module can include transaction processing parameters forprocessing chip-based payment transactions. It should be appreciatedthat the data storage device 110 can store any number of additionaltransaction processing modules for processing payment transactions of avariety of other transaction types. It should also be appreciated thatin other embodiments, all or a portion of the transaction processingmodules may be stored remotely by another computing device such as, forexample, the remote configuration device 150.

In some embodiments, the transaction processing parameters for eachtransaction processing module can be embodied as, or otherwise include,one or more rules or instructions for processing payment transactions ofa particular type. In such embodiments, the instructions or rules, onceloaded into or initialized by the transaction management controller 102,can be configured to cause the transaction management controller 102 toperform one or more transaction type-specific processing functionsand/or control or manage transaction type-specific functions of otherdevices of the system 100 (or the systems 200, 300 illustratively shownin FIGS. 2 and 3). For example, the instructions or rules of aparticular transaction processing module can be configured to cause thetransaction management controller 102 to initialize a signature promptfeature on the POI device 130, initialize a PIN entry feature on the POIdevice 130, route payment authorization request messages to a particularpayment network 140 (e.g., a VISA payment network, a MASTERCARD paymentnetwork, a DISCOVER payment network, an AMERICAN EXPRESS paymentnetwork, etc.), route payment authorization request messages to apayment transaction type-specific payment gateway communicativelycoupled to the payment network 140, and/or initialize a paymenttransaction type-specific processing feature on the POI device 130.

It should be appreciated that, in some embodiments, the instructions orrules of a particular transaction processing module may cause thetransaction management controller 102 to provide and/or performdifferent or additional transaction type-specific processing functionsor features (e.g., partial approval features, transaction amountconfirmation features, cashback features, accepted payment cardsettings, supported language settings, transaction gratuity features,signature requirement features, transaction store and forward features,etc.). Additionally, in some embodiments, the transaction processingparameters for each transaction processing module can also be embodiedas, or otherwise include, device configuration features and/or settings(e.g., listening port settings, security settings, user settings, etc.),multilane features and/or settings (e.g., lane identification features,lane initialization settings, etc.), POI device 130 features and/orsettings (e.g., terminal type settings, driver configurations,communication settings, etc.), and any other type of payment processingfeature or configuration setting for the transaction managementcontroller 102 or a device controlled or managed thereby (e.g., the POIdevice 130). In that way, each dynamically loadable transactionprocessing module may be configured to cause the transaction managementcontroller 102 to perform specific transaction processing functions, orprovide specific transaction processing features, that are required orpreferred when processing a particular type of payment transaction.

The communication circuitry 112 of the transaction management controller102 may be embodied as any type of communication circuit, device,interface, or collection thereof, capable of enabling communicationsbetween the transaction management controller 102 and the businessmanagement engine 120, POI device 130, payment network 140, remoteconfiguration device 150, and/or any other computing devicecommunicatively coupled thereto. For example, the communicationcircuitry 112 may be embodied as one or more network interfacecontrollers (NICs), in some embodiments. The communication circuitry 112may be configured to use any one or more communication technologies(e.g., wireless or wired communications) and associated protocols (e.g.,Ethernet, WiMAX, etc.) to effect such communication.

In some embodiments, the transaction management controller 102, businessmanagement engine 120, POI device 130, payment network 140, remoteconfiguration device 150, and/or any other computing devices of thesystem 100, can communicate with each other over one or more networks.The network(s) can be embodied as any number of various wired and/orwireless communication networks. For example, the network(s) can beembodied as or otherwise include a local area network (LAN), a wide areanetwork (WAN), a cellular network, or a publicly-accessible, globalnetwork such as the Internet. Additionally, the network(s) can includeany number of additional devices to facilitate communication between thecomputing devices of the system 100.

Additionally, in some embodiments, the transaction management controller102 can further include one or more peripheral devices 114. Suchperipheral devices 114 can include any type of peripheral devicecommonly found in a computing device such as additional data storage,speakers, a hardware keyboard, a keypad, a gesture or graphical inputdevice, a motion input device, a touchscreen interface, one or moredisplays, an audio unit, a voice recognition unit, a vibratory device, acomputer mouse, a peripheral communication device, and any othersuitable user interface, input/output device, and/or other peripheraldevice.

The business management engine 120 can be embodied as any type ofcomputing device capable of performing the functions described herein.As such, the business management engine 120 can include devices andstructures commonly found in computing devices such as processors,memory devices, communication circuitry, and data storages, which arenot shown in FIG. 1 for clarity of the description. The businessmanagement engine 120 can be configured to perform certainbusiness-related functions, such as, without limitation, salestabulation, inventory management, scheduling, accounting processes,payroll, and the like. As is to be appreciated, the particularbusiness-related functions facilitated by a business management enginemay depend on the needs of the particular business (e.g., merchant)utilizing the business management engine. In this regard, a businessmanagement engine of a salon may provide different business-relatedfunctions than that of a specialty retailer, for example. In someembodiments, the business management engine 120 is configured toinitiate payment transactions. As discussed in more detail below, thebusiness management engine 120 is configured to communicate with thetransaction management controller 102 to facilitate such paymenttransactions. For example, in some embodiments, the business managementengine 120 is configured to transmit a payment request to thetransaction management controller 102. The payment request can beembodied as an HTTP message that includes the amount of the transaction.Additionally, the business management engine 120 can be configured toreceive a payment authorization response message from the transactionmanagement controller 102. As discussed in more detail below, thebusiness management engine 120 can be communicatively isolated from thePOI device 130 (e.g., not in direct communication with the POI device130). As such, instead of being directly connected to the POI device130, the business management engine 120 is communicatively coupled tothe transaction management controller 102, which manages communicationswith the POI device 130. It should be appreciated that in doing so, thecomplexity of configuring (e.g., coding, certification, initialization,etc.) of the business management engine 120 is reduced.

Additionally, in some embodiments, the business management engine 120can transmit data to the transaction management controller 102 forsubsequent display on the POI device 130 during a purchase or paymenttransaction. For example, in some embodiments, the business managementengine 120 can be configured to transmit scrolling receipt data to thetransaction management device 102. In turn, the transaction managementdevice 102 can transmit the scrolling receipt data to the POI device130. In such embodiments, the scrolling receipt data can include productscan data (e.g., product identifiers, product names, productdescriptions, etc.) and product sales price data. It should beappreciated that the scrolling receipt data can include any other typeof data associated with a purchase or payment transaction.

The point of interaction (POI) device 130 can be embodied as any type ofcomputing or payment device capable of performing the functionsdescribed herein. For example, in the illustrative embodiment, the POIdevice 130 can be embodied as a card reader or a PIN pad configured tofacilitate receipt of a payment card for a payment transaction (e.g., acredit or debit transaction). The POI device 130 can include devices andstructures commonly found in computing and payment devices such asprocessors, memory devices, communication circuitry, and data storages,which are not shown in FIG. 1 for clarity of the description. Forexample, in some embodiments, the POI device 130 can include paymenthardware and functionality configured for receiving traditional paymentcards containing magnetic stripes (e.g., magstripes, swipe cards, etc.).The POI device 130 can also include payment hardware and functionalityconfigured for receiving payment cards via Near Field Communication(NFC) technologies, BLUETOOTH communication technologies, and othercontactless and/or short-range wireless communication technologies.Additionally or alternatively, in some embodiments, the POI device 130can include integrated circuit payment hardware and functionalityconfigured for receiving a EUROPAY, MASTERCARD, AND VISA (EMV) paymentcard or other smartcard or chip-based card. Of course, the POI device130 can include any other type of payment hardware and functionality forreceiving a payment card or vehicle.

As discussed, in some embodiments, the POI device 130 is communicativelyisolated from the business management engine 120. In such embodiments,the POI device 130 instead communicates directly with the transactionmanagement controller 102 via a wired or wireless communication link(i.e., a point-to-point link, bus link, wire, cable, light guide,wireless link, etc.). As such, the POI device 130 can be controlled bythe transaction management controller 102, which can include thenecessary drivers to do so.

The payment network 140 can be, for example, a network of a credit cardassociation affiliated with a payment vehicle or payment card (e.g.,credit cards, debit cards, smart cards, single-use cards, prepaid cards,electronic benefit transfer card, electronic currency, etc.), whichgenerally refers to any type of financial alternative to currency.Non-limiting examples of credit card associations include VISA,MASTERCARD, DISCOVER, and AMERICAN EXPRESS. In some embodiments, thepayment network 140 receives a payment authorization request messagefrom the transaction management controller 102 for a paymenttransaction. The payment network 140 can provide the paymentauthorization request message to a payment processing server of anissuer processor, which in turn can provide the payment authorizationrequest message to an issuer financial institution. The issuer financialinstitution can then associate the payment vehicle or payment card usedwith an account held by the issuer financial institution. Thereafter,the issuer financial institution can transmit a payment authorizationresponse message to the payment network 140 via the issuer processor. Inresponse to receiving the payment authorization response message, thepayment network 140 can transmit the payment authorization responsemessage to the transaction management controller 102. In someembodiments, the payment network 140 includes a payment gateway (notshown) configured to facilitate the transaction management controller102 or, more generally, merchants in processing payment transactions.

The remote configuration device 150 can be embodied as any type ofcomputing device capable of performing the functions described herein.As such, the remote configuration device 150 can include devices andstructures commonly found in computing devices such as processors,memory devices, communication circuitry, and data storages, which arenot shown in FIG. 1 for clarity of the description. In some embodiments,the remote configuration device 150 can be embodied as any type ofconfiguration device such as the one described in commonly-owned U.S.patent application Ser. No. 14/755,320, entitled “CONFIGURABLETRANSACTION MANAGEMENT CONTROLLER AND METHOD THEREOF,” which is herebyincorporated by reference in its entirety. In the illustrativeembodiments, the remote configuration device 150 is configured to manageand/or maintain one or more transaction processing modules, which can belocally stored in a storage device of the remote configuration device150 or remotely stored in the data storage device 110 of the transactionmanagement controller 102 (or the multiple transaction managementcontrollers 312, 322 of FIG. 3). To do so, the remote configurationdevice 150 can be configured to update or replace one or more of thetransaction processing modules. Additionally or alternatively, theremote configuration device 150 can be configured to add new transactionprocessing modules. In embodiments in which one or more transactionprocessing modules are stored in the data storage device 110 of thetransaction management controller 102, the remote configuration device150 can be configured to transmit a new or updated transactionprocessing module to the transaction management controller 102.

In some embodiments, the transaction management controller 102, thebusiness management engine 120, the POI device 130, the payment network140 (or computing devices thereof), and the remote configuration device150 can each establish an environment during operation. Each environmentcan include various modules, components, sub-components, and devicescommonly found in computing devices, which are not illustrated in thefigures for clarity of the description. The various modules, components,sub-components, and devices of each environment can be embodied ashardware, firmware, software, or a combination thereof. For example, oneor more of the modules, components, sub-components, and devices of eachenvironment can be embodied as a processor and/or a controllerconfigured to provide the functionality described herein.

Referring now to FIG. 2, in an embodiment, a system 200 for managingpayment authorization request messaging for multi-lane paymenttransactions includes the transaction management controller 102, thebusiness management engine 120, multiple point of interaction (POI)devices 130 (e.g., the POI device 130 a, POI device 130 b, POI device130 n, etc.), and the payment network 140. In some embodiments, thesystem 200 includes the remote configuration device 150. Asillustratively shown, the transaction management controller 102 canmanage and, therefore, be communicatively coupled to multiple POIdevices 130. Each POI device 130 (e.g., the POI device 130 a, POI device130 b, POI device 130 n, etc.) of the system 200 may be embodied as adifferent “lane” in a multi-lane environment. As such, it should beappreciated that each of the devices illustratively shown in FIG. 2 maybe substantially similar to the devices illustratively shown anddescribed with respect to FIG. 1.

Referring now to FIG. 3, in an embodiment, a system 300 for configuringmultiple transaction management controllers includes the remoteconfiguration device 150 and the payment network 140. The system 300also includes a transaction management controller 312, a businessmanagement engine 314, and a POI device 316 of one merchant environment(e.g., the merchant environment A 310) and a transaction managementcontroller 322, a business management engine 324, and a POI device 326of another merchant environment (e.g., the merchant environment B 320).It should be appreciated that the transaction management controllers312, 322, business management engines 314, 324, POI devices 316, 326,payment network 140, and remote configuration device 150 of the system300 can be substantially similar to the transaction managementcontroller 102, business management engine 120, POI device 130, paymentnetwork 140, and remote configuration device 150 of the system 100 ofFIG. 1. In the illustrative embodiment, however, the remoteconfiguration device 150 is configured to selectively manage and/ormaintain transaction processing modules for multiple transactionmanagement controllers (e.g., the transaction management controllers312, 322).

Referring now to FIG. 4, a process 400 that may be executed by thedevices of the system 100 begins with process flow 402. In process flow402, the business management engine 120 transmits a payment request tothe transaction management controller 102. The payment request includesa transaction amount and can be embodied as a Hypertext TransferProtocol (HTTP) message. In embodiments in which the payment request isan HTTP message, the payment request can be embodied as an HTTP POSTrequest or an HTTP PUT request. In such embodiments, one or more paymentrequest parameters (e.g., transaction amount, payment type, etc.) can besent to the transaction management controller 102 within a uniformresource locator (URL) that corresponds to the transaction managementcontroller 102. Additionally or alternatively, the payment request canbe embodied as an HTTP GET request or an HTTP DELETE request. In suchembodiments, one or more of the payment request parameters can be sentto the transaction management controller 102 within the body of the HTTPmessage sent to the transaction management controller 102. Next, inprocess flow 404, the transaction management controller 102 initiates apayment transaction based at least in part on, or otherwise as afunction of, the received payment request.

In process flow 406, the transaction management controller 102 requestsa payment transaction type from the POI device 130. Subsequently, inprocess flow 408, the transaction management controller 102 receives therequested payment transaction type from the POI device 130. Therequested payment transaction type can correspond to the type of paymentcard that will be used for the payment transaction. For example, if acredit card or a charge card will be used for the payment transaction,the corresponding payment transaction type can be embodied as a credittransaction or a charge transaction, respectively. In another example,if a debit card will be used for the payment transaction, thecorresponding payment transaction type can be embodied a debittransaction. In other examples, if a prepaid card, a stored value-card,or an electronic benefit transfer card will be used for the paymenttransaction, the corresponding payment transaction type can be a prepaidtransaction, a stored-value transaction, or an electronic benefittransfer transaction, respectively. It should be appreciated that thepayment transaction type can be embodied as any other type of paymenttransaction corresponding to any type of payment card or financialalternative to currency.

In some embodiments, to facilitate requesting and receiving the paymenttransaction type, the transaction management controller 102 transmitsone or more instructions to the POI device 130 that cause the POI device130 to display selectable options to a user or consumer. Each selectableoption can correspond to a different payment transaction type. In suchembodiments, the payment transaction type selected by the user orconsumer can be received by the transaction management controller 102.In other embodiments, the transaction management controller 102 canrequest and receive payment card data from the POI device 130. In suchembodiments, the transaction management controller 102 can determine thepayment transaction type based at least in part on, or otherwise as afunction of, the payment card data. For example, in some embodiments,payment card data received by the transaction management controller 102can include a payment card number or an account number. In such cases,the transaction management controller 102 can analyze or parse thepayment card number to determine and/or extract a bank identificationnumber (BIN) therefrom. The BIN can be used by the transactionmanagement controller 102 to determine the payment transaction type, insome embodiments. It should be appreciated that the transactionmanagement controller 102 may also utilize any other process ortechnique to determine the payment transaction type based on datareceived from the POI device 130.

In process flow 410, the transaction management controller 102dynamically loads the transaction processing module that corresponds tothe payment transaction type. To do so, the transaction managementcontroller 102 executes or initializes the transaction processingmodule. As discussed, the transaction processing modules can be storedlocally in the data storage device 110 of the transaction managementcontroller 102. One or more of the transaction processing modules canalso be stored remotely by a different computing device such as, forexample, the remote configuration device 150. In either case, thetransaction management controller 102, in process flow 410, retrieves orotherwise obtains the transaction processing module corresponding to thepayment transaction type from a data storage device. It should beappreciated that by only loading the transaction processing module thatcorresponds to a particular type of payment transaction, the requiredcomputing resources of the transaction management controller 102 can bereduced. Additionally, by dynamically loading transaction processingmodules at the time of a payment transaction, such transactionprocessing modules can be updated, added, or removed without requiringthe base software environment and/or functionality of the transactionmanagement controller 102 to be changed.

In process flow 412, one the appropriate transaction processing moduleis loaded or initialized, the transaction management controller 102requests payment card data for the initiated payment transaction fromthe POI device 130 based on the transaction processing parameters of theinitialized transaction processing module. For example, in someembodiments, the transaction management controller 102 manages paymentselection options provided to a consumer via the POI device 130 based onthe transaction processing parameters included in the initializedtransaction processing module. As discussed, the transaction processingparameters of the initialized transaction processing module can beembodied as, or otherwise include, one or more rules or instructions forprocessing payment transactions that correspond to the paymenttransaction type.

In process flow 414, the POI device 130 transmits the payment card datato the transaction management controller 102. The payment card data canbe captured by the POI device 130 in response to receipt of the requestfrom the transaction management controller 102. Additionally, inembodiments in which the transaction management controller 102 managesthe payment selection options provided to the consumer during thepayment transaction, the selected options can be transmitted by the POIdevice 130 to the transaction management controller 102.

Subsequently, in process flow 416, the transaction management controller102 transmits transaction data for the payment transaction to thepayment network 140 for processing based on the transaction processingparameters included in the initialized transaction processing module. Todo so, the transaction management controller inserts or incorporates thetransaction amount received from the business management engine 120 andthe payment card data received from the POI device 130 into a paymentauthorization request message. In some embodiments, the paymentauthorization request message can be embodied as a HTTP message.Additionally, in some embodiments, the payment network 140 includes apayment gateway. In such embodiments, the payment gateway is configuredto receive the payment authorization request message from thetransaction management controller 102.

In process flow 418, the payment network 140 processes the paymenttransaction based on the payment authorization response message receivedfrom the transaction management controller 102. As discussed, thepayment network 140 is configured to receive and forward the paymentauthorization request message to an issuer financial institution via anissuer processor. Thereafter, the issuer financial institutionassociates the received payment card number with an account held and/ormaintained by the issuer financial institution. After associating thereceived payment card number with an account, the issuer financialinstitution generates a payment authorization response message. Thepayment authorization response message can then be transmitted to thepayment network 140 via the issuer processor. Next, in process flow 420,the payment network 140 (or the payment gateway of the payment network140) transmits the received payment authorization response message tothe transaction management controller 102.

Subsequently, in process flow 422, the transaction management controller102 and the POI device 130 finalize the payment transaction and, in someembodiments, the payment authorization response message. For example, insome embodiment, the transaction management controller 102 can instructthe POI device 130 to capture a signature for the payment transaction.Additionally or alternatively, in some embodiments, an integratedcircuit payment card (e.g., an EMV card or other smartcard) can beinserted into the POI device 130, which can include correspondingintegrated circuit payment hardware and functionality. In suchembodiments, the transaction management controller 102 can instruct thePOI device 130 to write payment transaction data or account data back tothe integrated circuit payment card. In some embodiments, finalizationof the payment transaction can be performed at least in part by thetransaction management controller 102. Such finalization can be based onthe transaction processing parameters included in the initializedtransaction processing module. It should be appreciated that thetransaction management controller 102 and the POI device 130 can performany other function to finalize the payment transaction.

In process flow 424, the transaction management controller 102 transmitsthe finalized payment authorization response message to the businessmanagement engine 120 based on the transaction processing parametersincluded in the initialized transaction processing module. In someembodiments, the business management engine 120 generates a receipt forthe payment transaction based at least in part on, or otherwise as afunction of, the finalized payment authorization response messagereceived from the transaction management controller 102.

Referring now to FIG. 5, a method 500 that may be executed by thetransaction management controller 102 for managing payment authorizationrequest messaging for payment transactions begins with decision block502. In decision block 502, the transaction management controller 102determines whether a payment request for a payment transaction isreceived from the business management engine 120. The payment requestcan include a transaction amount and can be embodied as a HypertextTransfer Protocol (HTTP) message. If, in decision block 502, thetransaction management controller 102 determines that a payment requestis received, the method 500 advances to block 504. If, however, thetransaction management controller 102 determines instead that a paymentrequest is not received, the method 500 loops back to decision block 502and the transaction management controller 102 continues monitoring forreceipt of a payment request.

In block 504, the transaction management controller 102 requests apayment transaction type from the POI device 130. To do so, in someembodiments, the transaction management controller 102 transmits arequest message to the POI device 130. In such embodiments, thetransaction management controller 102 can generate and subsequentlytransmit the request message to the POI device 130 in response to adetermination that a payment request is received. Additionally oralternatively, the transaction management controller 102 can generateand subsequently transmit the request message to the POI device 130 inresponse to a notification received from POI device 130 indicating thata payment card or a payment card number has been received by the POIdevice. Subsequently, in block 506, the transaction managementcontroller 102 receives the requested payment transaction type from thePOI device 130. As discussed, the requested payment transaction type cancorrespond to the type of payment card that will be used for the paymenttransaction.

In block 508, the transaction management controller 102 dynamicallyloads the transaction processing module that corresponds to the paymenttransaction type. To do so, the transaction management controller 102executes or initializes the transaction processing module. In someembodiments, in block 510, the transaction management controller 102retrieves or otherwise locally obtains the transaction processing modulecorresponding to the payment transaction type from the data storagedevice 110 of the transaction management controller 102. Additionally oralternatively, in block 510, the transaction management controller 102obtains the transaction processing module corresponding to the paymenttransaction type from a remote data storage device such as, for example,a data storage device of the remote configuration device 150 or anotherremote computing device.

In block 512, the transaction management controller 102 requests paymentcard data for the payment transaction from the POI device 130 based onthe transaction processing parameters of the initialized transactionprocessing module. For example, in some embodiments, in block 514, thetransaction management controller 102 manages selection options of thePOI device 130 for the payment transaction based on the transactionprocessing parameters included in the initialized transaction processingmodule. As discussed, the transaction processing parameters of theinitialized transaction processing module can be embodied as, orotherwise include, one or more rules or instructions for processingpayment transactions that correspond to the payment transaction type.

In block 516, the transaction management controller 102 receives therequested payment card data from the POI device 130 based on thetransaction processing parameters of the initialized transactionprocessing module. In some embodiments, the received payment card dataincludes a payment card number associated with a payment card used forthe payment transaction. It should be appreciated, however, that thepayment card data can include any other type of data associated with apayment transaction. In some embodiments, in block 518, the transactionmanagement controller 102 receives any payment options selected by aconsumer via the POI device 130.

In block 520, the transaction management controller 102 inserts orotherwise incorporates the transaction amount received from the businessmanagement engine 120 and the payment card data (e.g., the payment cardnumber, etc.) received from the POI device 130 into a paymentauthorization request message. In some embodiments, the paymentauthorization request message can be embodied as a HTTP message. Itshould be appreciated, however, that the payment authorization requestmessage can be embodied as any other type of message, in otherembodiments.

In block 522, the transaction management controller 102 transmits thepayment authorization request message to the payment network 140 basedon the transaction processing parameters of the initialized transactionprocessing module. As discussed, the payment network 140 can include apayment gateway communicatively coupled thereto configured to facilitatethe transaction management controller 102 in processing paymenttransactions, in some embodiments. The payment network 140 can beconfigured to communicate with an issuer processor and/or and issuerfinancial institution and, based on the payment authorization requestmessage, generate a payment authorization response message. In block524, the transaction management controller 102 receives the paymentauthorization response message from the payment network 140 (or apayment gateway communicatively coupled thereto). In some embodiments,the payment authorization response message can be embodied as a HTTPmessage. It should be appreciated, however, that the paymentauthorization response message can be embodied as any other type ofmessage, in other embodiments.

Subsequently, in block 526, the transaction management controller 102finalizes the payment transaction and, in some embodiments, the paymentauthorization response message with the POI device 130. For example, insome embodiments, the transaction management controller 102 can instructthe POI device 130 to capture a signature for the payment transaction.In such embodiments, the transaction management controller 102 canreceive captured signature data from the POI device 130. Additionally,in such embodiments, the payment authorization response message can bemodified or augmented to include a byte array of the captured signaturedata. Additionally or alternatively, in some embodiments, thetransaction management controller 102 can, based on the transactionprocessing parameters of the initialized transaction processing module,instruct the POI device 130 to write payment transaction data or accountdata back to an integrated circuit payment card (e.g., an EMV paymentcard) used for a particular payment transaction.

In block 528, in some embodiments, the transaction management controller102 transmits the finalized payment authorization response message tothe business management engine 120 based on the transaction processingparameters of the initialized transaction processing module. In someembodiments, the business management engine 120 generates a receipt forthe payment transaction based at least in part on, or otherwise as afunction of, the finalized payment authorization response messagereceived from the transaction management controller 102. In suchembodiments, the business management engine 120 can be configured toprint the generated receipt via a receipt printer communicativelycoupled thereto.

Some of the figures can include a flow diagram. Although such figurescan include a particular logic flow, it can be appreciated that thelogic flow merely provides an exemplary implementation of the generalfunctionality. Further, the logic flow does not necessarily have to beexecuted in the order presented unless otherwise indicated. In addition,the logic flow can be implemented by a hardware element, a softwareelement executed by a computer, a firmware element embedded in hardware,or any combination thereof.

The foregoing description of embodiments and examples has been presentedfor purposes of illustration and description. It is not intended to beexhaustive or limiting to the forms described. Numerous modificationsare possible in light of the above teachings. Some of thosemodifications have been discussed, and others will be understood bythose skilled in the art. The embodiments were chosen and described inorder to best illustrate principles of various embodiments as are suitedto particular uses contemplated. The scope is, of course, not limited tothe examples set forth herein, but can be employed in any number ofapplications and equivalent devices by those of ordinary skill in theart. Rather it is hereby intended the scope of the invention to bedefined by the claims appended hereto.

The invention claimed is:
 1. A computer implemented method for managingpayment authorization request messaging for payment transactions, themethod comprising: receiving, by a transaction management controllercomputing device, from a business management engine, a transactionamount for a payment transaction, the business management engine beingconfigured to communicate with the transaction management controllercomputing device and communicatively isolated from a point ofinteraction (POI) device; generating, by the transaction managementcontroller computing device, a payment authorization request messagebased on the transaction amount; retrieving, from a storage device of aremote configuration device, a plurality of payment vehicletype-specific transaction processing modules, each payment vehicletype-specific transaction processing module among the plurality ofpayment vehicle type-specific transaction processing modules comprisingtransaction processing preferences controlling the point of interaction(POI) device including one or more of a listening port setting, asecurity setting, a lane identification setting, a lane initializationsetting, a terminal type setting, a device driver configuration setting,and a communication setting, the plurality of payment vehicletype-specific transaction processing modules comprising: a credit cardtransaction processing module comprising transaction processingpreferences controlling the point of interaction (POI) device duringprocessing of credit card transactions, and a debit card transactionprocessing module comprising transaction processing preferencescontrolling the point of interaction (POI) device during processing ofdebit card transactions; sending, by the transaction managementcontroller computing device, to the point of interaction (POI) device, arequest for a transaction payment vehicle type corresponding to apayment vehicle associated with the payment transaction; receiving, bythe transaction management controller computing device, the transactionpayment vehicle type from the point of interaction (POI) device;dynamically loading and initializing, by the transaction managementcontroller computing device, only one payment vehicle type-specifictransaction processing module among the plurality of payment vehicletype-specific transaction processing modules corresponding to thereceived transaction payment vehicle type from the point of interaction(POI) device at a time; sending, by the transaction managementcontroller computing device, a request for payment vehicle data based onthe transaction processing preferences of the initialized paymentvehicle type-specific transaction processing module; receiving, by thetransaction management controller computing device, from the point ofinteraction device, the requested payment vehicle data; inserting, bythe transaction management controller computing device, the paymentvehicle data and the transaction amount into the payment authorizationrequest message; transmitting, by the transaction management controllercomputing device, to a payment network, the payment authorizationrequest message based on the transaction processing preferences of theinitialized payment vehicle type-specific transaction processing module;receiving, by the by the transaction management controller computingdevice, from the payment network, a payment authorization responsemessage for the payment authorization request message; and transmitting,by the by the transaction management controller computing device, to thebusiness management engine, the payment authorization response messagebased on the transaction processing preferences of the initializedpayment type-specific transaction processing module.
 2. The computerimplemented method of claim 1, wherein the storage device is one of alocal storage device or a remote storage device.
 3. The computerimplemented method of claim 1, wherein the transaction processingpreferences of each payment vehicle type-specific transaction processingmodule among the plurality of payment vehicle type-specific transactionprocessing modules further comprise at least one of initializing asignature prompt feature on the point of interaction device,initializing a PIN entry feature on the point of interaction device,routing the payment authorization request message to a payment vehicletype-specific payment network, routing the payment authorization requestmessage to a payment vehicle type-specific payment gatewaycommunicatively coupled to the payment network, and initializing apayment vehicle type-specific processing feature on the point ofinteraction device.
 4. The computer implemented method of claim 1,further comprising: managing, by the transaction management controllercomputing device, selection options of the point of interaction devicefor the payment transaction; and receiving, by the transactionmanagement controller computing device, from the point of interactiondevice, selected options for the payment transaction.
 5. The computerimplemented method of claim 1, wherein the payment authorization requestmessage and the payment authorization response message compriseHypertext Transfer Protocol messages.
 6. The computer implemented methodof claim 1, wherein transmitting the payment authorization requestmessage to a payment network comprises transmitting the paymentauthorization request message to a payment gateway communicativelycoupled to the payment network; and wherein receiving the paymentauthorization response message from the payment network comprisesreceiving the payment authorization response message from the paymentgateway communicatively coupled to the payment network.
 7. One or morenon-transitory machine-readable storage media comprising a plurality ofinstructions stored thereon that in response to being executed by atransaction management controller computing device, cause thetransaction management controller computing device to: receive, by thetransaction management controller computing device, a transaction amountfor a payment transaction from a business management engine, thebusiness management engine being configured to communicate with thetransaction management controller computing device and communicativelyisolated from a point of interaction (POI) device; generate, by thetransaction management controller computing device, a paymentauthorization request message based on the transaction amount; retrieve,from a storage device of a remote configuration device, a plurality ofpayment vehicle type-specific transaction processing modules, eachpayment vehicle type-specific transaction processing module among theplurality of payment vehicle type-specific transaction processingmodules comprising transaction processing preferences controlling thepoint of interaction (POI) device including one or more of a listeningport setting, a security setting, a lane identification setting, a laneinitialization setting, a terminal type setting, a device driverconfiguration setting, and a communication setting, and the plurality ofpayment vehicle type-specific transaction processing modules comprising:a credit card transaction processing module comprising transactionprocessing preferences controlling the point of interaction (POI) deviceduring processing of credit card transactions, and a debit cardtransaction processing module comprising transaction processingpreferences controlling the point of interaction (POI) device duringprocessing of debit card transactions; send, by the transactionmanagement controller computing device, to the point of interaction(POI) device, a request for a transaction payment vehicle typecorresponding to a payment vehicle associated with the paymenttransaction; receive, by the transaction management controller computingdevice, the transaction payment vehicle type from the point ofinteraction (POI) device; dynamically load and initialize, by thetransaction management controller computing device, only one paymentvehicle type-specific transaction processing module among the pluralityof payment vehicle type-specific transaction processing modulescorresponding to the received transaction payment vehicle type from thepoint of interaction (POI) device at a time; send, by the transactionmanagement controller computing device, a request for payment vehicledata based on the transaction processing preferences of the initializedpayment vehicle type-specific transaction processing module; receive, bythe transaction management controller computing device, from the pointof interaction device, the requested payment vehicle data; insert, bythe transaction management controller computing device, the paymentvehicle data and the transaction amount into the payment authorizationrequest message; transmit, by the transaction management controllercomputing device, to a payment network, the payment authorizationrequest message based on the transaction processing preferences of theinitialized payment vehicle type-specific transaction processing module;receive, by the transaction management controller computing device, fromthe payment network, a payment authorization response message for thepayment authorization request message; and transmit, by the transactionmanagement controller computing device, to a business management engine,the payment authorization response message based on the transactionprocessing preferences of the initialized payment type-specifictransaction processing module.
 8. The one or more non-transitorymachine-readable storage media of claim 7, wherein the storage device isone of a local storage device or a remote storage device.
 9. The one ormore non-transitory machine-readable storage media of claim 7, whereinthe transaction processing preferences of each payment vehicletype-specific transaction processing module among the plurality ofpayment vehicle type-specific transaction processing modules furthercomprise at least one of initializing a signature prompt feature on thepoint of interaction device, initializing a PIN entry feature on thepoint of interaction device, routing the payment authorization requestmessage to a payment vehicle type-specific payment network, routing thepayment authorization request message to a payment vehicle type-specificpayment gateway communicatively coupled to the payment network, andinitializing a payment vehicle type-specific processing feature on thepoint of interaction device.
 10. The one or more non-transitorymachine-readable storage media of claim 7, wherein the plurality ofinstructions further cause the transaction management controllercomputing device to: manage selection options of the point ofinteraction device for the payment transaction; and receive, from thepoint of interaction device, selected options for the paymenttransaction.
 11. The one or more non-transitory machine-readable storagemedia of claim 7, wherein the payment authorization request message andthe payment authorization response message comprise Hypertext TransferProtocol messages.
 12. The one or more non-transitory machine-readablestorage media of claim 7, wherein transmitting the payment authorizationrequest message to a payment network comprises transmitting the paymentauthorization request message to a payment gateway communicativelycoupled to the payment network; and wherein receiving the paymentauthorization response message from the payment network comprisesreceiving the payment authorization response message from the paymentgateway communicatively coupled to the payment network.
 13. A system formanaging payment authorization request messaging for paymenttransactions, the system comprising: a data storage device of a remoteconfiguration device storing instructions for managing paymentauthorization request messaging for payment transactions in anelectronic storage medium; and a transaction management controllercomputing device comprising a computer device configured to execute theinstructions to perform a method including: receive, by the transactionmanagement controller computing device, from a business managementengine, a transaction amount for a payment transaction, the businessmanagement engine being configured to communicate with the transactionmanagement controller computing device and communicatively isolated froma point of interaction (POI) device; insert, by the transactionmanagement controller computing device, the transaction amount into apayment authorization request message; retrieve, from the data storagedevice of the remote configuration device, a plurality of paymentvehicle type-specific transaction processing modules, each paymentvehicle type-specific transaction processing module among the pluralityof payment vehicle type-specific transaction processing modulescomprising transaction processing preferences controlling a point ofinteraction (POI) device including one or more of a listening portsetting, a security setting, a lane identification setting, a laneinitialization setting, a terminal type setting, a device driverconfiguration setting, and a communication setting, and the plurality ofpayment vehicle type-specific transaction processing modules comprising:a credit card transaction processing module comprising transactionprocessing preferences controlling the point of interaction (POI) deviceduring processing of credit card transactions, and a debit cardtransaction processing module comprising transaction processingpreferences controlling the point of interaction (POI) device duringprocessing of debit card transactions; send, by the transactionmanagement controller computing device, to the point of interaction(POI) device, a request for a transaction payment vehicle typecorresponding to a payment vehicle associated with the paymenttransaction; receive, by the transaction management controller computingdevice, from the point of interaction (POI) device, the transactionpayment vehicle type; dynamically load and initialize, by thetransaction management controller computing device, only one paymentvehicle type-specific transaction processing module among the pluralityof payment vehicle type-specific transaction processing modulescorresponding to the received transaction payment vehicle type from thepoint of interaction (POI) device at a time; sending, by the transactionmanagement controller computing device, a request for payment vehicledata based on the transaction processing preferences of the initializedpayment vehicle type-specific transaction processing module; receive, bythe transaction management controller computing device, from the pointof interaction (POI) device, the requested payment vehicle data; insert,by the transaction management controller computing device, the paymentvehicle data and the transaction amount into the payment authorizationrequest message; transmit, by the transaction management controllercomputing device, to a payment network, the payment authorizationrequest message based on the transaction processing preferences of theinitialized payment vehicle type-specific transaction processing module;receive, by the transaction management controller computing device, fromthe payment network, a payment authorization response message for thepayment authorization request message; and transmit, by the by thetransaction management controller computing device, to the businessmanagement engine, the payment authorization response message based onthe transaction processing preferences of the initialized paymentvehicle type-specific transaction processing module.
 14. The system ofclaim 13, wherein the data storage device is one of a local storagedevice or a remote storage device.
 15. The system of claim 13, whereinthe transaction processing preferences of each payment vehicletype-specific transaction processing module among the plurality ofpayment vehicle type-specific transaction processing modules furthercomprise at least one of initializing a signature prompt feature on thepoint of interaction device, initializing a PIN entry feature on thepoint of interaction device, routing the payment authorization requestmessage to a payment vehicle type-specific payment network, routing thepayment authorization request message to a payment vehicle type-specificpayment gateway communicatively coupled to the payment network, andinitializing a payment vehicle type-specific processing feature on thepoint of interaction device.
 16. The system of claim 13, wherein thesystem is further configured to: manage, by the transaction managementcontroller computing device, selection options of the point ofinteraction device for the payment transaction; and receive, by thetransaction management controller computing device, from the point ofinteraction device, selected options for the payment transaction. 17.The system of claim 13, wherein the payment authorization requestmessage and the payment authorization response message compriseHypertext Transfer Protocol messages.
 18. The system of claim 13,wherein transmitting the payment authorization request message to apayment network comprises transmitting, by the transaction managementcontroller computing device, the payment authorization request messageto a payment gateway communicatively coupled to the payment network; andwherein receiving the payment authorization response message from thepayment network comprises receiving, by the transaction managementcontroller computing device, the payment authorization response messagefrom the payment gateway communicatively coupled to the payment network.19. The computer implemented method of claim 1, wherein the plurality ofpayment vehicle type-specific transaction processing modules furthercomprises: a smart card transaction processing module comprisingtransaction processing preferences controlling the point of interaction(POI) device during processing of smart card transactions, a single-usecard transaction processing module comprising transaction processingpreferences controlling the point of interaction (POI) device duringprocessing of single-use card transactions, a prepaid card transactionprocessing module comprising transaction processing preferencescontrolling the point of interaction (POI) device during processing ofprepaid card transactions, an electronic benefit transfer cardtransaction processing module comprising transaction processingpreferences controlling the point of interaction (POI) device duringprocessing of electronic benefit transfer card transactions, and anelectronic currency transaction processing module comprising transactionprocessing preferences controlling the point of interaction (POI) deviceduring processing of electronic currency transactions.
 20. The one ormore non-transitory machine-readable storage media of claim 7, whereinthe plurality of payment vehicle type-specific transaction processingmodules further comprises: a smart card transaction processing modulecomprising transaction processing preferences controlling the point ofinteraction (POI) device during processing of smart card transactions, asingle-use card transaction processing module comprising transactionprocessing preferences controlling the point of interaction (POI) deviceduring processing of single-use card transactions, a prepaid cardtransaction processing module comprising transaction processingpreferences controlling the point of interaction (POI) device duringprocessing of prepaid card transactions, an electronic benefit transfercard transaction processing module comprising transaction processingpreferences controlling the point of interaction (POI) device duringprocessing of electronic benefit transfer card transactions, and anelectronic currency transaction processing module comprising transactionprocessing preferences controlling the point of interaction (POI) deviceduring processing of electronic currency transactions.
 21. The system ofclaim 13, wherein the plurality of payment vehicle type-specifictransaction processing modules further comprises: a smart cardtransaction processing module comprising transaction processingpreferences controlling the point of interaction (POI) device duringprocessing of smart card transactions, a single-use card transactionprocessing module comprising transaction processing preferencescontrolling the point of interaction (POI) device during processing ofsingle-use card transactions, a prepaid card transaction processingmodule comprising transaction processing preferences controlling thepoint of interaction (POI) device during processing of prepaid cardtransactions, an electronic benefit transfer card transaction processingmodule comprising transaction processing preferences controlling thepoint of interaction (POI) device during processing of electronicbenefit transfer card transactions, and an electronic currencytransaction processing module comprising transaction processingpreferences controlling the point of interaction (POI) device duringprocessing of electronic currency transactions.